Children born in the United States between 2025 and 2028 will receive significant financial support

Children born in the United States between 2025 and 2028 will receive significant financial support, with contributions of up to US$5,000 per year from the Trump Savings Accounts (TSA) programme, combined with a Child Tax Credit (CTC) of up to US$2,200 per child.

These benefits are stipulated in One Big Beautiful Bill Act (OBBBA), enacted on 4 July 2025, aimed at supporting families and encouraging birth rates amidst an ageing population. According to the U.S. Department of the Treasury, the TSA programme provides a one-off deposit of US$1,000 for children born during this period, followed by annual contributions, creating long-term savings funds for education and retirement.

Introduction

Data from the U.S. Internal Revenue Service (IRS) shows that the 2025 CTC has increased from US$2,000 to US$2,200 per child under 17, with a refundable portion of up to US$1,700, helping over 40 million families save an average of US$1,500 in taxes. For foreign parents, children born in the United States automatically receive citizenship under the 14th Amendment, opening opportunities for long-term settlement. This article, from the perspective of an immigration expert, will analyse the benefits, conditions, and impact on immigration strategy in detail.

Objectively, these policies not only reduce financial burdens but also promote birth-related migration, with over 300,000 children born to foreign parents each year according to the Centers for Disease Control and Prevention (CDC). Let us explore this further.

Citizenship and fundamental rights of children born in the United States

Children born in the United States receive immediate citizenship under the principle of jus soli (right of the soil), protected by the 14th Amendment to the U.S. Constitution. This applies regardless of the parents’ nationality, except in cases of diplomatic immunity, according to the U.S. Citizenship and Immigration Services (USCIS). In 2024, approximately 350,000 children were born to non-U.S. citizen parents, accounting for 8% of total births, according to CDC data.

Benefits include free public education, emergency healthcare, and inheritance rights. However, parents do not automatically receive citizenship; they must go through the process of sponsoring their children after they turn 21. To explain further, this citizenship provides a powerful U.S. passport, ranked 8th globally according to the Henley Passport Index 2025, allowing visa-free access to 189 countries.

In analysis, for immigrant families, children born in the United States become a legal “bridge”, helping parents apply for a green card via Form I-130 once the child reaches adulthood. This increases the appeal of giving birth in the U.S.

Details of the Trump Savings Accounts programme for children born in the United States 2025-2028

The Trump Savings Accounts (TSA) programme, part of the OBBBA, is reserved for children born in the United States from 2025 to 2028, providing a one-off deposit of US$1,000 from the federal government into a personal savings fund. This is followed by annual contributions of up to US$4,000 from employers or support programmes, totalling US$5,000 per year, according to the U.S. Department of Labor. This fund is invested in government bonds and stocks, with an average annual return of 5-7%, which can be withdrawn for higher education or home purchases after the age of 18.

To be eligible, the child must be a U.S. citizen with a Social Security Number (SSN), and parents must provide information when registering the birth. In the first year of implementation in 2025, the programme is expected to cover 4 million children, saving families an average of US$20,000 after 4 years, according to estimates from the Congressional Budget Office (CBO).

Objectively, the TSA is not just financial support but also encourages long-term savings, reducing the burden of student debt – an issue affecting 45 million Americans according to the Department of Education. However, the benefits only apply to children born during the specific period, creating a short-term immigration incentive.

How to register and manage a TSA

TSA registration is automatic via the birth certificate at the hospital, linked to the SSN. Parents can track it via the TreasuryDirect.gov app. Withdrawals before the age of 18 are only for educational purposes, with a 10% penalty for violations.

List of TSA benefits:

• One-off deposit of US$1,000 from the government.
• Annual contribution of US$4,000 from the employer.
• Tax-free investment returns.
• Flexible withdrawals for education/retirement.

This programme strengthens the U.S. position as a family destination.

Child Tax Credit: Annual tax support for children born in the United States

The Child Tax Credit (CTC) in 2025 increases to US$2,200 per child under 17, with a US$1,700 refundable portion, according to the IRS. For children born in the United States between 2025-2028, the CTC applies from the first tax year, reducing federal income tax and providing a refund if taxes are low. More than 65% of families are eligible to receive the full amount, saving an average of US$1,600, according to the Tax Policy Center.

Conditions: The child must live with the parents for at least 6 months, have an SSN, and family income must be below US$200,000 (single) or US$400,000 (household). The refundable portion is calculated as 15% of income exceeding US$2,500, up to US$1,700. To explain, the CTC is a refundable credit, meaning you can receive cash if you do not owe taxes.

In analysis, combined with the TSA, total support reaches US$7,200/year for each child, helping to reduce child poverty from 12% to 8% as projected by the CBO by 2028. Regarding immigration, the CTC does not directly affect visas but increases the appeal for temporary resident parents.

Comparison table of CTC 2024-2025

Tax year	Maximum amount	Refundable portion	Income limit (single/household)
2024	$2,000	$1,600	$200,000/$400,000
2025	$2,200	$1,700	$200,000/$400,000

Source: IRS. These changes support diverse families.

Impact of benefits on immigration and settlement strategies in the United States

Benefits for children born in the United States 2025-2028 create a strong incentive for birth-related migration, especially from Asia and Latin America. According to USCIS, B-2 tourist visas (for birth tourism) increased by 25% in 2024, with over 10,000 births from tourists. However, risks include being denied entry if “birth tourism” is suspected, according to CBP guidelines.

After birth, parents may stay on a temporary visa, but settlement requires a green card through employment or marriage. Children born in the United States can sponsor their parents after turning 21, shortening the process from 10-15 years. Objectively, financial benefits increase legal migration flows, but the government is tightening checks to avoid abuse.

To explain, combining the CTC and TSA, the cost of giving birth in the U.S. (approximately US$10,000-20,000) is quickly offset by tax support. This encourages investment in the child’s education, increasing future employment opportunities.

Advice for immigrant parents

Numbered list of advice:

1. Apply for a B-2 visa with a medical letter and a clear financial plan.
2. Register for an SSN immediately after birth to receive the CTC.
3. Set up a TSA fund via the Treasury to optimise returns.
4. Consult an immigration lawyer to plan for long-term sponsorship.
5. Monitor the IRS for annual CTC updates.

These steps ensure maximum benefits.

Other support programmes for children born in the United States

In addition to TSA and CTC, children born in the United States between 2025-2028 benefit from the Child and Dependent Care Credit of up to US$3,000/US$6,000 in care expenses, according to the Department of the Treasury. The 529 Plan programme is expanded for education savings, with a 50% matching contribution of up to US$5,000 per year. The Adoption Credit is increased by US$5,000 for adoptions.

According to the First Five Years Fund (FFYF), these programmes support 20 million children, reducing poverty by 15%. Analysis shows this combination creates a robust social safety net, particularly for immigrant families.

Summary table of other support:

Programme	Main benefits	Basic requirements
Child Care Credit	US$3,000-6,000 in care expenses	Income below US$150,000
529 Plan	Tax-free education savings	All US citizens
Adoption Credit	US$5,000 adoption support	Adoption process

These additional programmes increase overall value.

Conclusion

Children born in the United States from 2025 to 2028 enjoy superior financial benefits through Trump Savings Accounts of US$5,000 per year and a Child Tax Credit of US$2,200, according to the OBBBA. These supports not only reduce family burdens but also strengthen long-term immigration status. With data from the IRS and USCIS, this article aims to provide a comprehensive overview.